FAQs
Your first step is to take immediate, calm action. Contact your lender’s loss mitigation department to discuss your situation, and, most importantly, call a free, HUD-approved housing counselor. They are unbiased experts who can provide confidential guidance on your specific options and rights.
Florida is a judicial foreclosure state, so the process goes through the courts and typically ranges from 6 months to over a year. The most critical deadline is the 20-day window you have to respond in writing after being served with a foreclosure lawsuit.
Yes, it is often possible to stop an auction, but your options become extremely limited and time-sensitive. Solutions like a loan reinstatement, filing for bankruptcy, or an emergency cash sale to a professional home buyer like us must be completed before the auction begins. 98% of our clients who sign with us successfully avoid the auction.
Yes, you absolutely have the right to sell your house at any point up until the final auction sale. Selling your home is often the most effective way to pay off the mortgage, protect your credit from the severe damage of a foreclosure, and walk away with your remaining equity in cash.
We are the direct, guaranteed buyer; an agent is a marketer. An agent lists your property and hopes to find a buyer, a process that can take months and involves commissions, repairs, and uncertainty. We provide a firm, guaranteed cash offer and buy your house directly from you, “as-is,” in as little as 7 days, providing speed and absolute certainty.
No. There are zero fees, zero commissions, and zero closing costs when you sell to us. The cash offer we present is the net amount you will receive, less any agreed-upon mortgage or lien payoffs. We make our profit by taking on the risk and cost of repairing the property and reselling it later.
A foreclosure will severely damage your credit, but not forever. It remains on your credit report for seven years, making it very difficult to get new loans or rent a quality apartment. The primary benefit of selling before the auction is that your mortgage is reported as “Paid in Full,” completely avoiding this devastating mark on your credit.
Yes, 100%. Our process is completely private. There are no “For Sale” signs, no public open houses, and no MLS listings. All communication is handled with the utmost discretion between you, our team, and the title company. Your privacy and dignity are our top priorities.
If you are “underwater,” your best option may be a short sale, where we negotiate with your lender to accept a sale price that is less than the mortgage balance. This is a complex process, but we have extensive experience managing these negotiations to help homeowners find a solution.
We can still buy your property. We can purchase the home with the tenants in place and will honor the terms of their existing lease. This means you do not have to go through the difficult and lengthy process of evicting your tenants before you can sell.
The first step is a simple, free, and completely confidential 15-minute phone call. There is no sales pitch and absolutely no obligation. We will listen to your situation, understand your goals, and give you a clear, honest assessment of all your potential paths forward.
Once you sign, our dedicated Transaction Coordinator takes over to guide you through a simple, stress-free closing process. They will handle all the communication with the title company and provide you with proactive weekly updates, so you are always informed. Our goal is a quiet, professional, and on-time closing.
While you are not required to have an attorney, we always recommend that you consult with one to review any legal documents and understand your full rights. We are happy to work directly with your attorney to ensure a smooth and transparent process
